Instant Kentucky Car Insurance Quote – KY Auto Insurance

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If all you want is a Kentucky car insurance quote then you’ve come to the right place. You can get one or several quotes instantly just by entering your zip code above. From there just follow the onscreen instructions.

On the other hand if you’re looking for more information about Kentucky auto insurance you’ve also come to the right place. A good number of people are usually confused about what kind of insurance to get since there are many different kinds of policies available.

This article will be helpful for those who live in the state of Kentucky and are interested in learning more about how Kentucky car insurance works.

Minimum Auto Insurance Requirements In Kentucky

The first thing you need to know about Kentucky auto insurance is how much and what types you are legally required to have. At the current time you need two types of liability insurance along with personal injury protection (PIP). The minimum amount of each type are as follows:

  • $25,000 for bodily injury liability per person in an accident;
  • $50,000 for all bodily injuries per accident;
  • $10,000 for property damage liability per accident;
  • $10,000 for Basic PIP per person per accident.

So long as you purchase at least the amount of insurance listed above you will be considered legal. Yet, you may still not be properly financially protected. Accident costs can add up very quickly and without enough insurance you could be on the hook for additional expenses.

Thus, you are strongly advised to talk to your insurance company and/or agent before purchasing a policy about what your needs are. They should be able to advise you on your various coverage options and how much each is likely to cost you.

Kentucky State Auto Insurance Laws

You may have heard that Kentucky is referred to as a no-fault state. This is only mostly true as the state has most, but not all the characteristics of a no-fault state. It is important to know what the similarities and differences are, because they affect your legal rights.

Technically, Kentucky’s so called no-fault laws are based on two important aspects. The first is Basic Personal Injury Protection (PIP) Coverage you are required to purchase under most circumstances (see below for exceptions). This coverage pays for medical expenses, lost wages (up to $200 per week), replacement services and survivor’s benefits regardless of who is at fault in an accident. You should also be aware you can buy higher higher limit PIP coverage than just the Basic amount.

The second aspect of Kentucky’s no-fault laws are the limitation they place on your tort rights or put another way, your right to sue and be sued. This means you can not sue or be sued for medical expenses, wage loss, pain and suffering and/or other expenses from the at-fault party unless certain thresholds are reached.

The thresholds can be any one of the following: $1,000 worth of medical expenses, a broken bone, permanent injury, disfigurement or death. If any of these thresholds are reached you can sue and be sued as you would in any other tort system (this is also why you need liability insurance).

Finally, the state of Kentucky does allow you to reject Basic PIP coverage and the limitations placed on your right to sue or be sued. To do so you must contact the Department of Insurance and give them this completed form. You will also have to contact you insurance company and tell them of your decision.

They may in turn legally raise your rates, as you chances of getting sued are now much greater. Moreover, you will lose all benefits from PIP coverage unless you pay your insurance company extra for it. Thus, while you have the legal right to reject most of Kentucky’s no-fault laws there is no good reason to do so.

The other key thing you really need to know about auto insurance in Kentucky is that you are always required to have proof of insurance available to show law enforcement officers. The penalties for driving without proper insurance are steep and can include: revoking your vehicle’s registration and suspending your license plate, a fine of $500 to $1,000 and/or 90 days in jail. If you get convicted again you can face fines of at least $1,000 and up to six months in jail.

You should know that you insurance company is legally required to report your insurance status to the Department of Vehicle Regulation’s Mandatory Insurance Reporting Plan. Related to this you may also wish to know in what situations an insurance company can legally cancel or choose not to renew your policy. You can find everything you need to know in the Department Of Insurance’s guide How Can They Do That? – The Facts About Nonrenewal of Personal Auto Insurance.

Kentucky Car Insurance Companies

Kentucky has a plethora of choices when it comes to insurance companies. The Kentucky Department of Insurance has many resources you can use to find one. For a complete list of companies or to find a specific company you can use their company search page. A second option for finding an insurance company is by using our quote form (see top or bottom of this page).

Most of the largest Kentucky licensed insurers belong to the Insurance Information Institute and include the following:

Allianz of America, Inc.

Allstate Insurance Group

Bituminous Insurance Companies

Chubb Group Of Insurance Companies

Farmers Group, Inc.

GEICO

Grange Insurance

GuideOne Insurance

The Hanover Insurance Group, Inc.

The Hartford Financial Services Group

Harleysville Insurance

Holyoke Mutual Insurance Company

Kemper Corporation (formerly Unitrin)

Liberty Mutual Group

MetLife Auto & Home

Michigan Millers Mutual Insurance Company

Nationwide

OneBeacon Insurance Group

Safeco Corporation

SECURA Insurance Companies

State Auto Mutual Group

State Farm

Travelers

USAA

Westfield Group

Zurich North America

However before you buy insurance, the Department of Insurance has a few other useful resources for you. Once you have found a company that looks like a good fit you should still do a bit of research. Two key tools to do this are to look at a company’s financial information and its complaint ratio. If it does poorly on either of these two indicators you should probably pass.

If you have an issue with your insurance company you do have the option to file a complaint. Finally, if you find you can’t purchase insurance from any of the listed companies it might be time to get in contact with the Kentucky Automobile Insurance Plan. It helps people who can’t buy insurance on the open market, get coverage.

Average Kentucky Auto Insurance Rates

Finding average Kentucky auto insurance rates is not as easy as you’d think. Different sources claim widely different averages. For example, the Insurance Information Institute claims that the state is only the 29th most expensive in the country. Average annual premium rates in 2008 were below the national average at $699.

On the other hand, CarInsurance.com, which only look at online quotes not policies bought, has found the state to be more expensive than the national average. They claim average premiums are $1,760 per year, over $300 more than their national average.

Thus, the state is either more expensive than average or less expensive than average depending on who you believe. A more accurate measurement can be found using the Department of Insurance’s rate comparison tables. They aren’t as accurate as getting your own personalized quote, but they can help you narrow your search to companies likely to give you a good deal.

Kentucky Car Accident Statistics

According to statistics from the National Highway Traffic Safety Administration (NHTSA) and the Kentucky State Police, Kentucky is a dangerous place to drive.

In 2009 there were 147,760 reported accidents, with 25,063 producing non-fatal injuries and 730 producing one or more fatalities (792 fatalities total). This represents a fatality rate of 1.67 per 100 million vehicle miles traveled, almost 50% higher than the US national average. The rate has been improving in recent years, but at a slower pace than the improvements seen in the rest of the country.

Of particular concern are the following 3 counties which each recorded at least 20 fatalities in 2009 according to the NHTSA: Jefferson County, Warren County and Fayette County. Do take extra precautions if you drive in these counties on a regular basis.

Why You Should Get Kentucky Car Insurance Quotes

Remember that getting a Kentucky car insurance quote is a good way of evaluating the different kinds of insurance out there. And, it is a great way of finding a policy that is ideal for your needs. Your car should not be considered an investment because the value depreciates the moment you buy it. But this does not change the fact that it still costs a lot of money.

Yet, getting insurance for it is certainly something you want to do; both because it is the law and because you want to protect you and your passengers when out on the road. This will make sure that you are financially protected in the event of an accident.

Because insurance policies are a bit complicated and come with different coverage options, learning a bit more about them is always a good idea. You have all the information you need above to help you finalize your decision on what policy to choose. The next step is getting a quote.

A good place to start looking for a Kentucky car insurance quote is online using our website. Alternatively, you can visit the websites of some of the companies listed above and get a quote from each manually.

Whenever way you use to get a Kentucky car insurance quote, make sure you get many of them. Shop around either online or the manual way. Compare everything you can with them; like the coverage, the rates, the benefits, and the policies. Make sure to always ask questions if something is unclear to you. Most companies will be more than happy to entertain your questions and give you detailed explanations of how their policy works.

One thing to keep in mind while you are looking for a Kentucky auto insurance quote is that the cheapest policy is not automatically the best policy. Make sure that you get something that is well worth the money you are paying for. Then all that searching for insurance quotes will pay off. Get started right away:

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